McCone County, MT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.63, -105.76.
Assembled 2026-10-06. Read the brief.
- 57th pct · 1,302nd of 3,063 US counties · median $234,566
- 41st pct · 33rd of 56 Montana counties · median $296,564
- 94th pct · 180th of 3,063 US counties · median +2.9%
- 74th pct · 15th of 56 Montana counties · median +4.1%
- US counties: not published this period
- Montana counties: not published this period
- 2nd pct · 3,134th of 3,221 US counties · median 8,232
- 18th pct · 46th of 56 Montana counties · median 2,560
- 31st pct · 2,214th of 3,221 US counties · median $1,039
- 37th pct · 35th of 56 Montana counties · median $996
- 66th pct · 1,023rd of 3,063 US counties · median 4.3
- 40th pct · 34th of 56 Montana counties · median 5.8
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $255,924 (Aug 2026), +9.1% over one year, +52.3% over five
- 57th pct · 1,302nd of 3,063 US counties · median $234,566
- 41st pct · 33rd of 56 Montana counties · median $296,564
| Item | Value | Distance |
|---|---|---|
| McCone County, MT | $255,924 · +9.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Montana counties: not published this period
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,401 a month on $255,924 at 7.28%, against an average weekly wage worth $4,147 a month: 33.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $255,924 × 80% = $204,740, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,401/mo principal and interest
- wage share = payment / (avg weekly wage $957 × 52 / 12 = $4,147) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $255,924 / ($957 × 52) = 5.1
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
572 jobs at 81 employers (2026 Q1); +1.1% jobs and +4.9% average weekly wage over the year
- 2nd pct · 3,134th of 3,221 US counties · median 8,232
- 18th pct · 46th of 56 Montana counties · median 2,560
| Item | Value | Distance |
|---|---|---|
| McCone County, MT | 572 jobs · $957/wk · +1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 77 | $1,185 | 3.51 | +0.0% |
| Retail trade | 42 | $597 | 0.75 | -6.7% |
| Accommodation and food services | 38 | $236 | 0.74 | +15.2% |
| Finance and insurance | 30 | $1,096 | 1.29 | +7.1% |
| Construction | 26 | $602 | 0.87 | +0.0% |
| Other services | 13 | $553 | 0.76 | +0.0% |
| Professional and technical services | 5 | $947 | 0.13 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
12 gauges · 0 flooding · 3 with quality panels averaging 93 % · 5 stale
Sites found: 12, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| Redwater River at Circle MT | flow 3.78 ft³/s | 28 km |
| Nelson Creek near Van Norman MT | flow 0.00 ft³/s | 31 km |
| Missouri River near Oswego MT | stage 82.9 ft · STALE | 46 km |
| Missouri R at E Frazer Pump Plant nr Frazer MT | stage 41.6 ft · quality 100 % (3) | 48 km |
| Redwater River near Vida MT | flow 277.0 ft³/s · STALE | 51 km |
| Missouri River near Wolf Point MT | flow 7,580 ft³/s · quality 100 % (5) | 51 km |
| Missouri R at W Frazer Pump Plant nr Frazer MT | stage 8.00 ft | 52 km |
| Big Dry Creek near Van Norman MT | flow 6.84 ft³/s · STALE | 55 km |
| Little Dry Creek near Van Norman MT | stage 2.90 ft · STALE | 56 km |
| Missouri River below Fort Peck Dam MT | stage 2.08 ft · STALE | 64 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
4 wells in 0 named aquifers:
Sites found: 4, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-480034105195401 | depth 43.9 ft · 2026-10-04 | 53 km |
| USGS-480728105243901 | depth 16.9 ft · 2026-10-04 | 61 km |
| USGS-480736106200201 | depth 23.5 ft · 2026-10-05 | 70 km |
| USGS-480746105080104 | depth 40.7 ft · 2026-05-04 | 72 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.07 / 0.55
Banks & federal dollars #
$18.0 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $76.5 m federal obligations in FY2026 (grants $58.2 m, direct payments $18.3 m), $133,706 per covered job
| Item | Value | Distance |
|---|---|---|
| Garfield County Bank | $18.0 m · 100.0% share · 1 office | |
| McCone, MT | $76.5 m FY2026 · $133,706/job | |
| MONTANA DEPARTMENT OF TRANSPORTATION | $58.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Garfield County Bank | $17,996,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Department of Transportation | $58,139,884 |
| Department of Agriculture | $7,780,160 |
| Social Security Administration | $6,921,015 |
| Department of the Interior | $2,506,293 |
| Department of Veterans Affairs | $895,412 |
| Federal Communications Commission | $170,272 |
| Railroad Retirement Board | $46,264 |
| Department of Education | $20,508 |
That is $133,706 per covered job, against 572 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $76.5 m / 572 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $133,706
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
McCone County, MT: 7 findings, 7 noted
noteMcCone County, MT's average weekly wage was 4.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +4.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteMcCone County, MT's covered employment was 1.1% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +1.1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteMcCone County, MT's typical home value rose 0.7% from $254,065 in July 2026 to $255,924 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (255924.39251556818 - 254064.6133447111) / 254064.6133447111 × 100
- 255924.39251556818 = Zillow ZHVI, 2026-08
- 254064.6133447111 = Zillow ZHVI, 2026-07
noteMcCone County, MT's covered employment of 572 ranks 3,134th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 3 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteMcCone County, MT's typical home value of +9.1% ranks 180th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.